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According to § 8 AUB (88) benefits from private accident insurances can be reduced if preexisting diseases have contributed to traumatic injuries to health or the consequences of these injuries to an extent of 25 % or more. The accident insurance companies are only willing to pay for health injuries due to accidents but not due to preexisting diseases. Definitions of accident, injury of health and consequences of these injuries are given.
The contribution of preexisting diseases to posttraumatic deaths is a common and increasing problem in the elderly and in following disease groups: cardiovascular and cerebrovascular diseases, diseases of metabolism (predominantly diabetes), of the liver (alcoholic liver disease), and of kidney and lung.
The regulation of § 8 AUB (88) asks for an estimation of the percentage of preexisting diseases contributing to a fatal outcome. The possibility of estimating this percentage was denied in literature. Concepts which may be helpful for this estimation are presented (graduation of morphological findings according to the lethal significance, "types of dying" etc.). Percentages of 25, 50, 75 are commonly used.
The problem is further addressed by some autopsy statistics and examples from practical casework.
The estimation of the percentage of preexisting diseases contributing to a fatal posttraumatic outcome in all cases demands a thorough autopsy and evaluation of clinical data. Finally, the low rate of autopsies at the request of private accident insurances companies is addressed.
📜 SIMILAR VOLUMES
citizens to behave inefficiently in preparing for and responding to disasters also will cause inefficiencies in policies concerning catastrophic events. Among the more important expected pathologies of disaster policies are: (I) a failure to balance benefits and costs at the margin for different typ